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Can I Afford It?

A quick, forward-looking cash flow projection. Enter your balance, bills, next income, and a purchase—then see your lowest point before it happens.

Purchase check

Know if a spend will push you below $0.

Daily projection

See your balance move day-by-day.

Lowest-point clarity

Find the exact low day before payday.

Your inputs

Enter what you have now, what’s coming out, what’s coming in, and the purchase you’re considering.

$

What's in your account right now.

Purchase you're considering

$

We'll project your balance through this date and beyond.

Next income

one paycheck / payment
$

Upcoming bills

Add any bills due before (or around) your next income.

$

Projection

We simulate your balance day-by-day from today through your next income and upcoming bills.

Ready when you are.

Fill out the inputs and click Calculate to see your projected low point.

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Disclaimer: This tool is a simplified estimate based on the inputs you provide. It does not account for recurring schedules, pending transactions, holds, or multiple accounts. For a full forecast, use Cash Flow Forecaster.

Frequently Asked Questions

How do I know if I can afford a purchase?▼
Look at your future cash flow, not just your current balance. Add up upcoming bills before your next income, subtract from your balance, then see if there's room for the purchase without going negative.
What is "safe to spend"?▼
The amount you can spend now without your balance going negative before your next income. It's your current balance minus all upcoming bills due before you get paid.
Why can't I just look at my bank balance?▼
Your balance shows what you have now, not after upcoming bills. $1,000 today with $800 in bills due means only $200 is truly safe to spend.
How far ahead should I project?▼
At minimum, until your next income. Freelancers should project 2-4 weeks to catch timing issues. A 90-day view helps identify seasonal patterns.

Learn more about cash flow

What is "Safe to Spend"?

The one number every freelancer needs to know before making a purchase.

Read article

Cash Flow Forecasting for Freelancers

Why day-by-day visibility matters more than monthly budgets.

Read article

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